Director, Consumer Compliance & Payments Risk

Bakkt; Atlanta (GA); Hybrid; USD 180,000 - 260,000; Full time

Benefits offered by this job

Remote-friendly culture

Competitive benefits

Equity

Growth opportunities

Job summary

Bakkt is seeking a Director of Consumer & Regulatory Compliance to lead the 2LoD for neobanking-as-a-service products in the US, manage sponsor-bank governance, and align regulatory strategies across digital assets and traditional fiat services. You will scope risk, oversee payments and fraud controls, and partner with product, engineering, and operations to embed compliance-by-design.

This role requires deep knowledge of UDAAP, Reg E, Reg Z, NACHA rules, and cross-border considerations, with a

Qualifications

• 5+ years of compliance or legal experience within a fintech, challenger bank, or sponsor-bank program.
• Strong operational knowledge of US consumer banking regulations (UDAAP, Reg E, Reg Z).
• Deep understanding of payment operations, network rules (NACHA, Visa/Mastercard), and modern fraud typologies with mitigation tools.
• Proven experience conducting operational and enterprise risk assessments within a complex fintech or digital assets environment.
• Proven experience establishing or managing governance programs with partner/sponsor banks.
• Practical experience operating within a Three Lines of Defense risk management framework.
• Knowledge of digital assets compliance, brokerage environments, or European regulations (MiCA and GDPR) is a plus.
• Superb communication skills to partner with product, engineering, marketing, and operations teams.

Responsibilities

• Lead the Rollout: Own the compliance strategy and execution for the rollout of Bakkt's neobanking-as-a-service initiatives.
• Regulatory Oversight: Manage compliance policies and oversight for US consumer regulations, including UDAAP, Regulation E, and Regulation Z.
• Marketing & Advertising Reviews: Conduct comprehensive compliance reviews and approvals of marketing collateral, advertising, and user-facing communications.
• Sponsor Bank Governance: Serve as the primary compliance interface and manage governance frameworks and relation management.
• Second Line of Defense Oversight: Monitor and evaluate First Line of Defense operations to identify gaps, conduct risk assessments, and advise on process improvements.
• Quality Control (QC): Independently test 1LoD processes, including KYC onboarding, fraud alert clearing, Reg E, etc.
• Payments Risk Oversight: Manage and mitigate risks with payment rails (ACH, Wires, Cards), monitor returns, chargebacks, and NACHA/card rules.
• Fraud Strategy & Prevention: Provide 2LoD oversight of fraud prevention strategies to minimize losses and protect consumers.
• Comprehensive Risk Assessments: Lead enterprise, operational, and product risk assessments with KRIs and mitigations.
• Digital Asset & Brokerage Collaboration: Align regulatory approaches with digital assets and brokerage teams.
• European Regulatory Alignment (Plus): Support assessment of MiCA and GDPR requirements for global expansion.

Skills

Regulatory compliance strategy

Fraud risk management

Payments risk oversight

Risk assessments

Partner bank governance

Three Lines of Defense

Cross-functional collaboration

Job description

Bakkt is seeking a Director of Consumer & Regulatory Compliance to lead the 2LoD for neobanking-as-a-service products in the US, manage sponsor-bank governance, and align regulatory strategies across digital assets and traditional fiat services. You will scope risk, oversee payments and fraud controls, and partner with product, engineering, and operations to embed compliance-by-design.

This role requires deep knowledge of UDAAP, Reg E, Reg Z, NACHA rules, and cross-border considerations, with a